This is a legal notice that Duncan J. Cooper has applied to the Dillard City Council for a license to sell: Beer and/or Wine and/or Liquor Consumption on the Premises. License at Valley Cafe and is located at 7099 Hwy. 441 N, Dillard, GA 30537 and that such application will be heard and acted upon by the City Council of Dillard at its regular meeting on March 13, 2012 at 5:30 p.m. at the Dillard City Hall.

2-16,23,3-1,8

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Marjorie J. Gorday, deceased, are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undersigned. This the 8th day of February, 2012. Witness my/our hand(s) and seal(s),on the day above written. (Robert Earl Gorday acting as Executor of the Marjorie J. Gorday estate.) Address: 636 Covecrest Drive #1, Tiger GA 30576. Telephone: 706-782-7148.

2-16,23,3-1,8

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to John Pick Speed, deceased, are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render the claims to the undersigned. This the 13 day of February, 2012. Witness my/our hand(s) and seal(s), on the day above written. Mary Grace Cobb

All persons indebted to James A Miller, deceased, are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undersigned. This the 13 day of February, 2012. Witness my/our had(s) and seal(s), on the day above written. (Nancy I Miller acting as Executrix of the James A Miller estate.) Address: 264 Lewis Burchette Road, Whiteville, NC 28472, Telephone: 910-642-0612.

2-23,3-1,8,15

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to DOLORES ANN SEARS, deceased, are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undersigned. This the 22nd day of February, 2012. Witness my/our hand(s) and seal(s), on the day above written. (Kelly M Sears Schroeder acting as Executrix of the Dolores Ann Sears estate.) Address: 21926 SW Vintner Lane, Sherwood, Oregon 97104. Telephone: 706-782-2574.

3-1,8,15,22

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Burma Lou Patterson, deceased, are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undersigned. This the 22 day of February, 2012. Witness my/our hand(s) and seal(s), on the day above written. (Delmo Patterson acting as Executor of the Burma Lou Patterson estate.) Address: PO Box 141, Clayton, GA 30525. Telephone: 706-782-4850.

3-1,8,15,22

NOTICE TO FORECLOSE RIGHT TO REDEEM

TO: Mark A. Mulrain

TAKE NOTICE THAT: The right to redeem the following described property, to wit: All that tract or parcel of land lying and being in Land Lot 21, of the First Land District, Rabun County, Georgia and being consisting of LOT 1, being 1.31 acres , more or less and LOT 2, being 1.00 acre, more or less, as shown upon a plat of survey recorded in the office of the Clerk of Rabun Superior Court in Plat Book 26, Pages 204-205. Said survey is incorporated herein by reference for a full and complete description of the above-described lands. The above-described property is conveyed subject to those certain RESTRICTIVE COVENANTS dated November 1, 1988 and recorded in the office of the Clerk of Rabun Superior Court in Deed Book R-11, Page 89. As described in Deed Book Q-27, Page 443. Further described as Map & Parcel 031C 051 will expire and be forever foreclosed and barred on and after the 12th day of April, 2012. The tax deed to which this notice relates is dated the 7th day of September, 2010, and is recorded in the office of the clerk of the Superior Court of Rabun County, Georgia, in Deed Book N-36, at Pages 205-206. The property may be redeemed at any time before the 12th day of April, 2012, by payment of the redemption price as fixed and provided by law to the undersigned at the following address: Christopher Dinofrio, 180 Wilkerson Lane, Lakemont, Georgia 30552, Phone: 706-782-7514. Please be governed accordingly. This 24th day of February, 2012. Christopher Dinofrio, Albert O. English, Attorney, For Christopher Dinofrio, 17 Chechero Street, Clayton, GA 30525, (706) 782- 4285.

3-1,8,15,22

NOTICE TO FORECLOSE RIGHT TO REDEEM

TO: Bruce Nicely and Beverly Nicely

Wachovia Bank, N.A.

Venture Building Group, Inc.

Waterfall Property Owners Association, Inc.

TAKE NOTICE THAT: The right to redeem the following described property, to wit: All that tract or parcel of land lying and being in Land Lot 6, of the First Land District, Rabun County, Georgia and being LOT 4, UNIT 1, BLOCK D, of WATERFALL AT LAKE BURTON, containing 0.55 acre, more or less, said lot being located on the road now or formerly known as Waterfall Drive, and more particularly described upon that certain plat of survey dated April 14, 1999, by Leonida J. Sears, III, Georgia Registered Land Surveyor No. 2628, said plat being recorded in the office of the Clerk of Rabun Superior Court in Plat Book 42, Page 225. Said survey is incorporated herein by reference for a full and complete description of the above-described lands. The property herein conveyed is subject to the Declaration of Covenants, Conditions and Restrictions for Waterfall at Lake Burton dated April 16, 1999 and recorded in Deed Book S-18, Pages 309-342, Clerk’s Office Rabun Superior Court and any and all amendments and modifications thereto of record. Conveyed herewith is a perpetual, non-exclusive easement for ingress and egress over and across the subdivision roads to the public road system. As described in Deed Book X-24, Page 478. Further described as Map and Parcel 014C 213 will expire and be forever foreclosed and barred on and after the 12th day of April, 2012. The tax deed to which this notice relates is dated the 7th day of September, 2010, and is recorded in the office of the clerk of the Superior Court of Rabun County, Georgia, in Deed Book N-36, at Pages 207-208. The property may be redeemed at any time before the 12th day of April, 2012, by payment of the redemption price as fixed and provided by law to the undersigned at the following address: Christopher Dinofrio, 180 Wilkerson Lane, Lakemont, Georgia 30552, Phone:706-782-7514. Please be governed accordingly. This 24th day of February, 2012. Christopher Dinofrio, Albert O. English, Attorney For Christopher Dinofrio, 17 Chechero Street, Clayton, GA 30525.

3-1,8,15,22 NOTICE TO FORECLOSE RIGHT TO REDEEM

TO: Pine Springs Development & Realty Co.

TAKE NOTICE THAT: The right to redeem the following described property, to wit: All that tract or parcel of land lying and being in Land Lot 195, of the Second Land District, Rabun County, Georgia and being more fully described as MAP CODE 058A 442, being LOT 29, PART 3, of the MIDWOODS AREA OF SKY VALLEY SUBDIVISION, according to the plat thereof recorded in Plat Book 8, Page 194 in the Clerk’s office of the Clerk of Superior Court, Rabun County, Georgia. As described in Deed Book D-19, Page 504. Further described as Map and Parcel 058A 442 will expire and be forever foreclosed and barred on and after the 12th day of April, 2012. The tax deed to which this notice relates is dated the 7th day of September, 2010, and is recorded in the office of the clerk of the Superior Court of Rabun County, Georgia, in Deed Book N-36, at Pages 215-216. The property may be redeemed at any time before the 12th day of April, 2012, by payment of the redemption price as fixed and provided by law to the undersigned at the following address: Christopher Dinofrio, 180 Wilkerson Lane, Lakemont, Georgia 30552, Phone: 706-782-7514. Please be governed accordingly. This 24th day of February, 2012. Christopher Dinofrio. Albert O. English, Attorney, For Christopher Dinofrio, 17 Chechero Street, Clayton, GA 30525, (706) 782-4285.

3-1,8,15,22

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Mary Elizabeth DeHart Williams, deceased, are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undersigned. This the 24 day of February, 2012. Witness my/our hand(s) and seal(s), on the day above written. (James Edward Williams, Jr. acting as Executor of the Mary Elizabeth DeHart Williams estate.) Address: 156 Raymond Court, Clemmons NC 27012, Telephone: (336) 764-3575.

All persons claiming interest in the property as set forth herein are hereby notified that on February 21, 2012, the State of Georgia filed an action against the property seeking a judgment declaring said property to be forfeited to the State of Georgia. The following property is the subject of the above action: $5,677.21 in US Currency, Jewelry, gold rings, necklaces, earrings,chains, collectable coins, Black bag with HP laptop computer #00196-153-801-180, black bag with E-machine Notebook computer #LXN970D0019484050B169, HP Presarlo Laptop Computer CQ50 #2CE834MLCW, and an HP Pavllion Computer #CNF75231PY. You are required to file with the Clerk of the Superior Court and to serve upon George Christian, Assistant District Attorney for the Mountain Judicial Circuit, an answer in writing within thirty (30) days of the second date of publication of this action. Witness Honorable Russell W Smith, Chief Judge of the Superior Court of the Mountain Judicial Circuit. This 21st day of February, 2012. Holly E Henry-Perry, Clerk of Superior Court.

3-1,8

NOTICE

GEORGIA RABUN COUNTY PROBATE COURT

TO: Hollie D Watts and Amy Leigh Watts have petitioned to be appointed Administrator(s) of the estate of Jimmy Lewis Watts, deceased, of said County. (The petitioners have also applied for waiver of bond and/or grant of certain powers contained in O.C.G.A. §53-12-261.) All interested parties are hereby notified to show cause why said petition should not be granted. All objections to the petition must be in writing, setting forth the grounds of any such objections, and must be filed with the court on or before March 26, 2012. All pleadings/objections must be signed before a notary public or before a probate court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact probate court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be granted without a hearing. Lillian W. Garrett, Probate Judge, By: Lillian W Garrett, Address: 25 Courthouse Square, Suite 215, Clayton, GA 30525, Telephone Number: 706-782-3614.

3-1,8,15,22

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Under and by virtue of the Power of Sale contained in a Security Deed given by Robert G. Eller to Mortgage Electronic Registration Systems, Inc., dated November 17, 2005, recorded in Deed Book J29, Page 88, Rabun County, Georgia Records, as last transferred to Bank of America, N.A., successor by merger to BAC Home Loans Servicing, LP formerly known as Countrywide Home Loans Servicing LP by assignment recorded in Deed Book O37, Page 125, Rabun County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWENTY-FOUR THOUSAND AND 0/100 DOLLARS ($124,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Rabun County, Georgia within the legal hours of sale on the first Tuesday in April, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, N.A., 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5100. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Robert G. Eller or a tenant or tenants and said property is more commonly known as 112 White Poplar Lane, Tiger, Georgia 30576. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you. Bank of America, N.A., successor by merger to BAC Home Loans Servicing, LP formerly known as Countrywide Home Loans Servicing LP as Attorney in Fact for Robert G. Eller, McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076, www.foreclosurehotline.net, MR/ts1 4/3/12. Our file no. 5950007-FT14 EXHIBIT “A” All that parcel of land in Rabun County, State of Georgia, as more fully described in Deed Book L16, Page 73, ID# 043C-018, being known and designated as Lot 17, Tanglewood, LL 23 Dist 5. MR/ts1 4/3/12. Our file no. 5950007 - FT14. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

3-8,15,22,29

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Under and by virtue of the Power of Sale contained in a Security Deed given by Maria A. Gregg to Delta Community Credit Union, dated December 29, 2006, recorded in Deed Book J31, Page 117, Rabun County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED EIGHT THOUSAND FIFTY AND 0/100 DOLLARS ($208,050.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Rabun County, Georgia within the legal hours of sale on the first Tuesday in April, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Delta Community Credit Union, 315 North Highway 74, Peachtree City, GA 30269, 800-544-3328. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Maria A. Gregg or a tenant or tenants and said property is more commonly known as 985 Smokey Hollow Drive, Dillard, Georgia 30537. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you as Attorney in Fact for Maria A. Gregg McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net, MR/cs7 4/3/12. Our file no. 5161912-FT17 EXHIBIT “A” All that tract or parcel of land lying and being in Land Lot 176 of the Second Land District of Rabun County, Georgia, and being designated as Lot 40 of Wynngate at Dillard, containing 3.03 acres as more fully described on that certain plat of survey prepared by Samuel L. Duvall, Georgia Registered Land Surveyor No. 2295, dated June 10, 2001, which is recorded in the office of the clerk of Rabun Superior Court in Plat Book 46, page 213. Reference is had and made to said plat and record of the same for a full and complete description of the property herein described. This conveyance is made subject to that certain declaration of restrictive covenants for Wynngate at Dillard dated October 26, 2000, which is recorded in the office of the clerk of Rabun Superior Court in Deed Book F-20, page 167 and that certain first amendment dated April 25, 2001, which is recorded in the office of the clerk of Rabun Superior Court in Deed Book U-20, page 322 and that certain Second Amendment of Declaration of Covenants and Restrictions for Wynngate at Dillard dated January 31, 2003 and recorded in Deed Book T-23, Page 57, Clerk's office, Rabun Superior Court. This conveyance is made subject to easements to roads or utilities not of record but in visible use and existing or shown on the above-described plats, zoning regulations or other regulations imposed by governmental authority and a lien for real estate taxes not yet due and payable. There is also conveyed herewith a perpetual non-exclusive easement for ingress and egress to and from the above-described property over and across the subdivision roads shown upon the above-referenced plat of survey and that certain plat of survey recorded in the office of the clerk of Rabun Superior Court in Plat Book 45, page 240 to and from Ledford Road, a public road, as depicted on that certain survey recorded in the office of the clerk of Rabun Superior Court in Plat Book 45, page 240. This conveyance is made subject to those rights reserved in that certain Warranty Deed recorded in Deed Book I-21, Page 555, Clerk's office, Rabun Superior Court. Said rights being a perpetual non-exclusive easement to use all the roads shown upon the above-referenced plats of survey for ingress and egress. Further, the property herein is subject to that perpetual, non-exclusive forty foot (40') easement now or formerly known as Crestview Drive cross the above-described Lot 40 and being shown upon the above-referenced plat of survey. The property herein conveyed is subject to the non-exclusive perpetual easement over and across that forty foot (40') easement now or formerly known as Crestview Drive crossing the above-described Lot 40 and being shown upon the above-referenced plat of survey for the purpose of ingress and egress to and extending utilities to Lot 41. MR/cs7 4/3/12. Our file no. 5161912 - FT17.

3-8,15,22,29

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Mike C. Queen and Nancy O. Queen to Mortgage Electronic Registration Systems, Inc. as nominee for Crescent Bank and Trust Company, its successors and assigns dated February 19, 2003 in the amount of $67,500.00, and recorded in Deed Book W23, Page 227, Rabun County, Georgia Records; as last transferred to JPMorgan Chase Bank, National Association by assignment; the undersigned, JPMorgan Chase Bank, National Association pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in April, 2012 , during the legal hours of sale, at the Courthouse door in Rabun County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in Land Lot One of the Fifth Land District, Rabun County, Georgia, and being more particularly described as follows: To find the Point of Beginning commence at the centerline of Stekoa Falls Road at Five Points and run thence Southerly along a County Road 0.2 of a mile to a point which is located at the intersection of the centerline of a branch in the Easterly Right of Way of said County Road. From said beginning point thus established follow the centerline of said branch the following courses and distances: South 72 Degrees 33 Minutes East 28.6 feet; thence South 18 Degrees 46 Minutes West 22.4 feet; thence South 03 Degrees 04 Minutes East 38.1 feet, thence South 06 Degrees 46 Minutes West 32.9 feet; thence South 01 Degree 46 Minutes West 73.9 feet; thence South 56 Degrees 36 Minutes East 16 feet to a point in the centerline of a branch; thence leaving said branch run South 02 Degrees 12 Minutes West 52.2 feet to a 36 inch Poplar; thence North 49 Degrees 41 Minutes West 99 feet to a 24 inch Hickory; thence North 09 Degrees 08 Minutes East 112.25 feet to a point in the Easterly Right of Way of said County Road North 34 Degrees 17 Minutes East 22.9 feet to a point; thence North 22 Degrees 49 Minutes East 45 feet to the centerline of a branch; and the point and place of beginning, containing 0.25 acre, more or less, and being more particularly described upon a plat of survey prepared by Martin R. Slark, GRLS No. 1392, dated January 1,1977, recorded in Plat Book 14, Page 12 of the Rabun County Plat Records, which has the property address of 5 Victory Lane, Clayton, Georgia, together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Mike C. Queen and Nancy O. Queen and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. JPMorgan Chase Bank, National Association, Attorney in Fact for Mike C. Queen and Nancy O. Queen, McCurdy & Candler, L.L.C. (404) 373-1612. www.mccurdycandler.com. File No. 11-04552 /FHLMC/mtucker. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

3-8,15,22,29

GEORGIA, RABUN COUNTY

NOTICE OF SALE UNDER POWER Under and by virtue of the power of sale contained in that Deed to Secure Debt from Scott Campbell and Murline Cox to Community Bank and Trust dated June 28, 2006, recorded August 17, 2006, in Deed Book 5785, Pages 261-264, Hall County, Georgia Deed records, and recorded July 3, 2006, in Deed Book I30, Pages 38-40, Rabun County, Georgia Deed records, held by SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. pursuant to that Purchase and Assumption Agreement among Federal Deposit Insurance Corporation as Receiver of Community Bank & Trust, SCBT, N.A., and the Federal Deposit Insurance Corporation, dated January 29, 2010 and pursuant to Assignment from Federal Deposit Insurance Corporation as Receiver of Community Bank & Trust to SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A., the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in Hall County, during the legal hours of sale, on the first Tuesday in April, 2012 by SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A., as Attorney-in-Fact for Scott Campbell and Murline Cox the following described property which is located in both Hall County and Rabun County: TRACT ONE: All that tract or parcel of land lying and being situated in Land Lot 24 of the 10th District of Hall County, Georgia, as shown on a plat prepared for BRENDA JOYCE MAJOR dated November 5, 1980 by Jimmy D. Bullock, GRLS No. 17651 and more particularly described as follows: Point of beginning being an iron pin found on the north right-of-way of Chestatee Road N 27-34 E 52.95 feet from the centerline intersection of Chestatee Road and Chestatee Cut-off; thence along the north right-of-way S 77-24 W 86.42 feet to an iron pin found; thence along land of Paul Landers N 20-03 W 125.03 feet to an iron pin found; thence N 11-58 W 127.25 feet to an iron pin set; thence N 88-27 E 162.40 feet to an iron pin set; thence S 2-13 W 227.62 feet to the point of beginning containing 0.70 acre of land. ALSO CONVEYED is a 1996 Fleetwood Mobile Home bearing VIN #GAFLS39A04772V412 which is permanently attached to the property and conveyed as a construction improvement to the real property. TRACT TWO: All that tract or parcel of land lying and being in Land Lot 7 of the Second Land District, Rabun County, Georgia consisting of 2.88 acres more or less more particularly described on a plat of survey prepared by T. Lamar Edwards, GRLS No. 1837 dated October 21, 1996 and recorded in Plat Book 38, page 66 of the Rabun County plat records. Said plat and the record of the same being incorporated herein by reference for a more full and complete description of the property described herein. LESS AND EXCEPT: All that tract or parcel of land lying and being in Land Lot 7 of the Second Land District, Rabun County, Georgia consisting of 0.50 acre conveyed by warranty deed recorded in Deed Book Y-23, page 84 and shown on plat recorded in Plat Book 48, page 93 of the Rabun County plat records. LESS AND EXCEPT: All that tract or parcel of land lying and being in Land Lot 7 of the Second Land District, Rabun County, Georgia consisting of 0.50 acre conveyed to the Mortgage Outlet, Inc. by security deed dated 7-31-02 and recorded in Deed Book W-22, page 207 of the Rabun County deed records. LESS AND EXCEPT: All that lot, tract or parcel of land lying and being in Land Lot 7, 2nd Land District, Rabun County, Georgia, containing 0.41 acres, as more particularly described by a survey prepared by Appalachian Surveying Company, Inc. for “Miguel Angel Quintava Cuevas” as recorded in Plat Book 52, Page 65, Rabun County, Georgia Plat Records, said plat description being specifically incorporated herein by reference. ALSO CONVEYED is a 1985 Conner Doublewide Manufactured Home bearing VIN# CHCCNC522814533ED5348A&B which is permanently attached to the property and conveyed as a construction improvement to the real property. The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of said indebtedness, among other possible events of default, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney's fees (notice having been given as provided by law). The property will be sold subject to the following: (1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the Deed to Secure Debt first set out above. To the best of the undersigned's knowledge and belief, the party in possession is Scott Campbell and Murline Cox or a tenant or tenants. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Deed to Secure Debt. SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. as Attorney-in-fact for Scott Campbell and Murline Cox. This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose. Smith, Gilliam, Williams & Miles, P.A., P.O. Box 1098, Gainesville, GA 30503, 770-536-3381.

3-8,15,22,29

RABUN COUNTY PLANNING COMMISSION

NOTICE OF HEARING TO ALL INTERESTED PERSONS AND PARTIES

A hearing will be held in the Rabun County Courthouse at 6:00 p.m. before the Rabun County Planning Commission on the 26th day of March, 2012, concerning a proposed amendment to “Rabun County Code of Ordinances Chapter 56 Zoning.” This hearing is held under the authority granted by Article XII of said Ordinance. The purpose of said hearing is to receive comments on the proposal of Realmark Rabun, LLC to rezone 0.94 acres from Agricultural (A) to Commercial Business District (CB). Property is located in Land Lot 86, Land District 5, Rabun County, GA, Bridge Creek RD. Tax parcel is 017-011. Plat is available to view in the Rabun County Planning and Zoning Office. At the hearing any interested parties may present data, make a statement or offer a viewpoint or argument either orally or in writing. Lengthy statements shall be submitted in writing for the official record. Oral statements shall be concise to afford all an opportunity to be heard. Steve Brett, Chairman, Rabun County Planning Commission.

3-8,15

NOTICE OF SALE UNDER POWER

STATE OF GEORGIA

COUNTY OF RABUN

By virtue of a Power of Sale contained in that certain Security Deed from Neal Chastain and Darlene Chastain to Anchor Mortgage Corp., dated July 30, 1998 and recorded in Deed Book B-18, Page 493, in the Office of the Clerk of Superior Court of Rabun County, Georgia, said Security Deed having been given to secure a Note dated, July 30, 1998, in the original principal amount of Thirty Seven Thousand Two Hundred and 00/100 Dollars ($37,200.00) with interest thereon as provided therein, having been last sold, assigned and transferred to U.S. Bank, N.A. as Trustee for Manufactured Housing Contract Senior/Subordinate Pass-Through Certificate Trust 1999-5, will be sold at public outcry to the highest bidder for cash before the courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday of April 2012, regarding the following described property: All that tract or parcel of land lying and being in Land Lot Number 145 of the Second Land District of Rabun County, Georgia and being more particularly described as follows to-wit: For a full and complete description of the real property being hereby conveyed, reference is hereby had and made to a plat of survey prepared by William F. Rolader, Georgia Registered Land Surveyor Number 2042. The real property being hereby conveyed is 1.40 acre tract of land. Said plat is of record in Plat Book 24, Page 16 in the Office of the Clerk of the Rabun Superior Court. Reference to said plat and the record thereof is for the express purpose of incorporating herein its description of said 1.40 acre tract of land as depicted thereon. Note: Also conveyed herein is the mobile home located on the above described tract of land. Note: Also conveyed is an unobstructed easement for purposes of ingress and egress along and across the ten (10) foot gravel drive as is more fully shown on the above referenced plat of survey. Grantees expressly agree to maintain and repair said ten (10) foot wide gravel drive. Note: Grantees expressly agree that they will not obstruct said ten (10) foot wide gravel drive by parking vehicles or depositing any other personal property within the right of way of said drive. Said property is commonly known as 114 Darnell Creek Rd., Rabun Gap, GA 30508. The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorney’s fees and all other payments provided for under the terms of the Security Deed and Note. Said property will be sold subject to the following items which may affect the title of said property; zoning ordinances, matters which would be disclosed by an accurate survey or by an inspection of the property; any outstanding taxes, including but not limited to ad valorem taxes, which constitute liens upon said property; special assessments; all outstanding bills for public utilities which constitute liens upon said property; all restrictive covenants, easements, rights-of-way and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the party in possession of the property is Neal Chastain and Darlene Chastain or tenant(s). U.S. Bank, N.A. as Trustee for Manufactured Housing Contract Senior/Subordinate Pass-Through Certificate Trust 1999-5 as Attorney-in-Fact for Neal Chastain and Darlene Chastain. Contact: Topping & Associates, LLC, 1930 N. Druid Hills Rd., Suite B, Atlanta, Georgia 30319, (404) 728-0220. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

3-8,15,22,29

NOTICE

PROBATE COURT OF RABUN COUNTY

RE: PETITION OF Ellen Brawley FOR DISCHARGE AS Executrix OF THE ESTATE OF Henry Adamczyk, DECEASED.

TO: The beneficiaries under the will, and to whom it may concern: This is to notify you to file objection, if there is any, to the above referenced petition, in this Court on or before March 19, 2012. BE NOTIFIED FURTHER: All objections to the petition must be in writing, setting forth the grounds of any such objections. All pleadings/objections must be signed before a notary public or before a probate court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact probate court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be granted without a hearing. Lillian W. Garrett, Probate Judge, By: Savannah B. Dixon, Probate Clerk/Deputy Clerk, Address: 25 Courthouse Sq. Suite 215, Clayton, GA 30525, Telephone Number: 706-782-3614.

3-8

IN THE JUVENILE COURT OF RABUN COUNTY

STATE OF GEORGIA

CASE NO. 2011-JU-61

TRAVIS CAPPELLITTI DOB: 09-14-2005 SEX: MALE

CASE NO. 2011-JU-62

JACOB CAPPELLITTI DOB: 09-12-2003 SEX: MALE

CHILDREN UNDER THE AGE OF EIGHTEEN

NOTICE OF DEPRIVATION HEARING

TO: John Lewis Cappellitti,putative father of Jacob Cappelitti.

By order for Service by Publication dated the 16th day of February, 2012, you are hereby notified that on the 9th day of December, 2012, the Rabun County Department of Family and Children Services, Georgia Department of Human Services, filed a Petition for Temporary Custody against you as to the above-named child, Travis Cappellitti, alleging the child is deprived. You are required to file with the Clerk of Juvenile Court, and to serve upon Special Assistant Attorney General Alfred Chang, an answer in writing within sixty (60) days of the date of the Order for Service by Publication. This Court will conduct a final hearing upon the allegations of the Petition and enter an order of disposition on the 2nd of April, 2012, at 9:00 a.m., at the Rabun County Courthouse, Clayton, Georgia. The child or children and other parties involved may be represented by a lawyer at all stages of these proceedings. If you want a lawyer, you may choose and hire your own lawyer. If you want to hire a lawyer, please contact your lawyer immediately. If you want a lawyer but are not able to hire a lawyer without undue financial hardship, you may ask for a lawyer to be appointed to represent you. The Court would inquire into your financial circumstances and if the Court finds you to be financially unable to hire a lawyer, then a lawyer will be appointed to represent you .You must let the Court or the officer of this Court handling this case know that you want a lawyer immediately. WITNESS, the Honorable Robert D. Cullifer, Juvenile Judge of Rabun County, Mountain Judicial Circuit.

3-8,15,22,29

IN THE JUVENILE COURT OF RABUN COUNTY

STATE OF GEORGIA

CASE NO. 2011-JU-61

TRAVIS CAPPELLITTI DOB: 09-14-2005 SEX: MALE

CASE NO. 2011-JU-62

JACOB CAPPELLITTI DOB: 09-12-2003 SEX: MALE

CHILDREN UNDER THE AGE OF EIGHTEEN

NOTICE OF DEPRIVATION HEARING

TO: Henry Duffy Malone, putative father of Travis Cappellitti.

By order for Service by Publication dated the 16th day of February, 2012, you are hereby notified that on the 9th day of December, 2012, the Rabun County Department of Family and Children Services, Georgia Department of Human Services, filed a Petition for Temporary Custody against you as to the above-named child, Jacob Cappellitti, alleging the child is deprived. You are required to file with the Clerk of Juvenile Court, and to serve upon Special Assistant Attorney General Alfred Chang, an answer in writing within sixty (60) days of the date of the Order for Service by Publication. This Court will conduct a final hearing upon the allegations of the Petition and enter an order of disposition on the 2nd of April, 2012, at 9:00 a.m., at the Rabun County Courthouse, Clayton, Georgia. The child or children and other parties involved may be represented by a lawyer at all stages of these proceedings. If you want a lawyer, you may choose and hire your own lawyer. If you want to hire a lawyer, please contact your lawyer immediately. If you want a lawyer but are not able to hire a lawyer without undue financial hardship, you may ask for a lawyer to be appointed to represent you. The Court would inquire into your financial circumstances and if the Court finds you to be financially unable to hire a lawyer, then a lawyer will be appointed to represent you, you must let the Court or the officer of this Court handling this case know that you want a lawyer immediately. WITNESS, the Honorable Robert D. Cullifer, Juvenile Judge of Rabun County, Mountain Judicial Circuit.

3-8,15,22,29

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Under and by virtue of the Power of Sale contained in a Security Deed given by Dan Ashford Lindsay, Jr. and Charlotte Anne Lindsay to Red River Bank, dated October 27, 2000, recorded in Deed Book E-20, Page 426, Rabun County, Georgia Records, as last transferred to Standard Mortgage Corporation by assignment to be recorded in the Office of the Clerk of Superior Court of Rabun County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY THOUSAND AND 0/100 DOLLARS ($130,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Rabun County, Georgia within the legal hours of sale on the first Tuesday in April, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Standard Mortgage Corporation, 701 Poydras Street Suite 300, New Orleans, LA 70139, 504-569-3921. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Dan Ashford Lindsay, Jr. and Charlotte Anne Lindsay or a tenant or tenants and said property is more commonly known as 5 Cedar Lane, Dillard, Georgia 30537. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you. Standard Mortgage Corporation as Attorney in Fact for Dan Ashford Lindsay, Jr. and Charlotte Anne Lindsay McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076, www.foreclosurehotline.net, MR/jp5 4/3/12 Our file no. 51263211-FT17 EXHIBIT “A” All that tract or parcel of land lying and being in Land Lot 169 of the Second Land District of Rabun County, Georgia, and being designated as Lot 8 Part 1 of Overlook Area, Sky Valley Subdivision containing 0.444 acre as shown on that certain plat of survey prepared by Edwin G. Davidson, Georgia Registered Land Surveyor No. 2586, dated October 24, 2000, which is recorded in the Office of the Clerk of Rabun Superior Court in Plat Book 45, Page 217. Reference is had and made to said plat and record of the same for a full and complete description of the property herein described. This conveyance is made subject to those certain restrictive covenants dated January 8, 1980 and recorded in Deed Book J-7, Pages 553-559 in the Office of the Clerk of Rabun Superior Court. MR/jp5 4/3/12. Our file no. 51263211 - FT17. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

3-8,15,22,29

Notice of Sale Under Power

Georgia, Rabun County

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by Joi Page and Ronald W. Page to Mortgage Electronic Registration Systems, Inc. as nominee for Decision One Mortgage Company, LLC, dated March 31, 2006, and recorded in Deed Book W-29, Page 382, Rabun County, Georgia records, as last transferred to Deutsche Bank National Trust Company, as Trustee for the Pooling and Servicing Agreement dated as of June 1, 2006 Morgan Stanley ABS Capital I Inc. Trust 2006-HE5 Mortgage Pass-Through Certificates, Series 2006-HE5 by Assignment filed for record in Rabun County, Georgia records, conveying the after-described property to secure a Note of even date in the original principal amount of $209,600.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday in April, 2012, to wit: April 3, 2012, the following described property: All that tract or parcel of land lying and being in Land Lot 6 of the Second Land District, Rabun County, Georgia, and being 5.18 acres as shown on plat of survey dated Nov. 18, 1999, prepared by William F. Rolader, GRLS #2042, recorded in Plat Book 44, Page 238, Rabun County plat records. Said plat and record of the same being incorporated herein by reference for a more full and complete description of the property herein conveyed. Also conveyed is a perpetual easement for roadway purposes from such tract to Curt Dotson Road, said roadway intersecting with the property line of the above described property immediately north of a concrete reservoir which is shown on the above referenced plat. The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property known as 124 Maple Ridge Trail, Clayton, GA 30525 is (are): Joi Page and Ronald W. Page or tenant or tenants. Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; (2) O.C.G.A. Section 9-13-172.1; and (3) final confirmation and audit of the status of the loan with the holder of the security deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph. Deutsche Bank National Trust Company, as Trustee for the Pooling and Servicing Agreement dated as of June 1, 2006 Morgan Stanley ABS Capital I Inc. Trust 2006-HE5 Mortgage Pass-Through Certificates, Series 2006-HE5 as attorney in fact for Joi Page and Ronald W. Page, Richard B. Maner, P.C., 5775 Glenridge Drive, Building D, Suite 100, Atlanta, GA 30328, (404)252-6385. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

3-8,15,22,29

Notice of Sale Under Power.

State of Georgia, County of RABUN.

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by ROBERT ANTHONY STALCUP to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ("MERS") AS NOMINEE FOR CITIZENS FIDELITY MORTGAGE CORP , dated 04/24/2009, and Recorded on 04/27/2009 as Book No. X34 and Page No. 175-186, RABUN County, Georgia records, as last assigned to U.S. BANK NATIONAL ASSOCIATION, by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $245,471.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the RABUN County Courthouse within the legal hours of sale on the first Tuesday in April, 2012, the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN A PART OF LAND LOT 21 OF THE FIFTH LAND DISTRICT OF RABUN COUNTY, GEORGIA, AND BEING MORE FULLY DESCRIBED IN A PLAT DRAWN BY JG NIXON, GEORGIA REGISTERED LAND SURVEYOR, NO. 312, REVISED OCTOBER 7, 1971, AND RECORDED IN THE OFFICE OF THE CLERK OF RABUN SUPERIOR COURT IN PLAT BOOK 8, PAGE 180. REFERENCE IS HAD AND MADE TO SAID PLAT AND RECORD OF SAME FOR FURTHER DESCRIPTION OF SAID LANDS HEREIN DESCRIBED. THIS CONVEYANCE IS MADE SUBJECT TO UTILITY EASEMENTS OF RECORD FOR ELECTRICITY, TELEPHONE, CABLE TELEVISION, WATER AND SEWER LINES CROSSING SAID LANDS. THIS CONVEYANCE IS MADE SUBJECT TO VALID RESTRICTIONS OF RECORD. The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: U.S. BANK NATIONAL ASSOCIATION, 4801 FREDERICA ST, Foreclosure ATTN: BANKRUPTCY DEPT, OWENSBORO, KY 42301, 602-264-6101. Please understand that the secured creditor is not required to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 101 LEANING CHIMNEY DR, CLAYTON, GEORGIA 30525 is/are: ROBERT ANTHONY STALCUP or tenant/tenants. Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the security deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph. U.S. BANK NATIONAL ASSOCIATION as Attorney in Fact for ROBERT ANTHONY STALCUP. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 20110090100614 BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP 15000 Surveyor Boulevard, Addison, Texas 75001 Telephone: (972) 341-5398.

3-8,15,22,29

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Kelly Anne Munger, deceased, are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undersigned. This the 2 day of March, 012. Witness my/our hand(s) and seal(s), on the day above written. (Joe Stephen Munger acting as Administrator of the Kelly Anne Munger estate.) Address: 64 Copperhead Lane, Clayton, GA 30525, Telephone: (706) 782-1669.

3-8,15,22,29

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Dorothy Ann Williams, deceased, are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undesigned. This the 29 day of February, 2012. Witness my/our hand(s) and seal(s), on the day above written. (James Newton Williams acting as Executor of the Dorothy Ann Williams estate.) Address: PO Box B, Mountain City, GA 30562, Telephone: 706-746-2004.

3-8,15,22,29

RABUN COUNTY BOARD OF COMMISSIONERS

NOTICE OF HEARING TO ALL INTERESTED PERSONS AND PARTIES

A hearing will be held in the Rabun County Courthouse at 6:00 before the Rabun County Board of Commissioners on the 27th day of March, 2012 concerning a proposed amendment to the “RABUN COUNTY OFFICIAL ZONING ORDINANCE”. This hearing is held under the authority granted by Article XIV of said Ordinance. The purpose of said hearing is to receive comments on the amendment proposed by Richard A. Cannon to request a rezoning of 26.56 acres. Property is in Land Lot 94 & 95 Land District 08 ty split. Property is located at 59 Terry Cir. Tax Parcel is 040-007. At the hearing any interested parties may present data, make a statement or offer a viewpoint or argument, either orally or in writing. Lengthy statements shall be submitted in writing for the official record. Oral statements shall be concise to afford all an opportunity to be heard. RABUN COUNTY BOARD OF COMMISSIONERS

3-8,15,22

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

By virtue of a Power of Sale contained in that certain Security Deed from Mark Bronokowski a/k/a Mark Bronikowski and Laura A. Manwaring to Branch Banking and Trust Company, dated October 30, 2007, recorded December 4, 2007, in Deed Book Y-32, Page 629, Rabun County, Georgia Records, and as modified, said Security Deed having been given to secure a Note of even date in the principal amount of FIFTY-NINE THOUSAND FIVE HUNDRED DOLLARS AND NO CENTS ($59,500.00), with interest thereon as provided for therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday in April 2012, all property described in said Security Deed including but not limited to the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOTS 1, 24 AND 25, 4TH DISTRICT, RABUN COUNTY, GEORGIA, CONSISTING OF 0.40 ACRES AND BEING DESIGNATED AS LOT 117 OF THE OVERLOOK AT KINGWOOD, PHASE 3, AS SHOWN ON PLAT OF SURVEY FOR THE OVERLOOK AT KINGWOOD UNIT I. SAID PLAT, DATED NOVEMBER 16, 2006, PREPARED BY WAYNE A. POWERS, GEORGIA REGISTERED LAND SURVEYOR NO. 2891, IS RECORDED IN PLAT BOOK 58, PAGE 90-98, RABUN COUNTY, GEORGIA RECORDS, WITH REFERENCE MADE THERETO FOR THE PURPOSE OF INCORPORATING THE SAME. The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys' fees and all other payments provided for under the terms of the Security Deed and Note. Said property will be sold subject to the following items which may affect the title to said property: all zoning ordinances; matters which would be disclosed by an accurate survey or by an inspection of the property; any outstanding taxes, including but not limited to ad valorem taxes, which constitute liens upon said property; special assessments; all outstanding bills for public utilities which constitute liens upon said property; all restrictive covenants, easements, rights-of-way and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the party in possession of the property is Mark Bronokowski a/k/a Mark Bronikowski and Laura A. Manwaring or tenant(s). The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed, Branch Banking and Trust Company as Attorney in Fact for Mark Bronokowski a/k/a Mark Bronikowski and Laura A. Manwaring. Contact: The Geheren Firm, P.C., 4828 Ashford Dunwoody Road, 2nd Floor, Atlanta, GA 30338 TEL (678) 587-9500. THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

3-8,15,22,29

STATE OF GEORGIA,

COUNTY OF RABUN

NOTICE OF SALE UNDER POWER

On November 21, 2007, Bud Olan McKay and Cathy Marie McKay f/k/a Cathy Marie Speed executed a Security Deed to Stephens Federal Bank, which is recorded in Deed Book A33, Pages 190-205, Rabun County Records. The Security Deed secured a note of even date in the original principal amount of $92,500.00. By virtue of the power of sale contained in said Security Deed, there will be sold by the undersigned at public outcry to the highest bidder, for cash before the Courthouse door in Rabun County, Georgia, within the legal hours of sale on the first Tuesday in April, 2012, the same being April 3, 2012, the property described in and conveyed in said deed, to-wit: All that tract or parcel of land lying and being in Land Lots 54, 55 and 58 of the Fifth Land District, Rabun County, Georgia and being Tract “A” consisting of 1.74 acres and Tract “C” consisting of 0.07 acres more particularly described on a plat of survey prepared by William F. Rolader, GRLS No. 2042 dated November 18, 2005, last revised December 13, 2006 and recorded in Plat Book 59, Page 24 of the Rabun County plat records. Said plat and the record of the same being incorporated herein by reference for a more full and complete description of the property described herein. The debt secured by said Security Deed and Note has been and is hereby declared due because of non-payment thereof. The debt remaining in default, this sale will be made for the purpose of satisfying the same and all expenses of this sale. This property will be sold as the property of Bud Olan McKay and Cathy Marie McKay f/k/a Cathy Marie Speed, their executors, administrators, beneficiaries, heirs, successors and/or assigns as the case may be. Upon information and belief, this property is in the control of Janice Bud Olan McKay and Cathy Marie McKay f/k/a Cathy Marie Speed. This property will be sold subject to any and all ad valorem taxes, the right of redemption of any taxing authority, any matters which might be disclosed by a current and accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants and any other matters of record superior to the Security Deed first set out above. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of said Security Deed. The undersigned will execute a Deed Under Power of Sale to the purchaser at said sale as provided in the aforementioned Security Deed. Dated this 1st day of March 2012. STEPHENS FEDERAL BANK, TOCCOA, GEORGIA, AS ATTORNEY IN FACT FOR BUD OLAN MCKAY AND CATHY MARIE MCKAY F/K/A CATHY MARIE SPEED. DAVE STANCIL AT STEPHENS FEDERAL BANK, 2859 HWY 17 ALT., TOCCOA, GEORGIA 30577, TELEPHONE NUMBER 706-886-2111; SHALL HAVE FULL AUTHORITY TO NEGOTIATE, AMEND AND MODIFY THE TERMS OF THE MORTGAGE WITH THE DEBTOR. McClure, Ramsay, Dickerson & Escoe, LLP, P.O. Drawer l408, Toccoa, Georgia 30577, (706) 886-3l78. THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT ON BEHALF OF THE ABOVE-REFERENCED LENDER AND ANY INFORMATION WILL BE USED FOR THAT PURPOSE.

3-8,15,22,29

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE OF SALE UNDER POWER

IN DEED TO SECURE DEBT

Under and by virtue of the power of sale contained in that certain Deed to Secure Debt from Richard P. Sanczel and Beverly I. Sanczel to Bank of America, N.A. in the original principal amount of $184,500.00 dated 10/26/2007, and recorded in Deed Book V-32, page 493, Rabun County records, the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of April, 2012 by Bank of America, N.A., as successor by merger to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP, as Attorney-in-Fact for Richard P. Sanczel and Beverly I. Sanczel the following described property: All that certain lot, tract or parcel of land situate, lying and being in Land Lot 37 of the Fifth Land District of Rabun County, Georgia, known as Lot Number Three (3), Tiger View Subdivision, according to a plat of said subdivision prepared by Samuel L. Duvall, Registered Land Surveyor No. 2295, dated May 21, 2001, revised June 27, 2001, recorded in Plat Book 46, Page 150, in the Office of the Clerk of the Superior Court of Rabun County, Georgia. Reference is hereby had and made to said plat and record of the same for a full and complete description of the property herein described. The above described tract of land is conveyed is subject to that certain Declaration of Tiger View Subdivision which is recorded in Deed Book B-21, Page 76, aforesaid records. The property herein conveyed is subject to that Georgia Power Easement recorded in Deed Book D-21, Page 451, Clerk’s office, Rabun Superior Court. Further, the property herein conveyed is subject to a Sewer Line Easement from Clyde Arrendale English to the Town of Tiger, Georgia that is dated April 30, 1997 and is recorded in Deed Book Z-17, Page 422, aforesaid records. The Grantor also conveys unto the Grantees, their heirs, successors and assigns a perpetual, non-exclusive easement over and across the area of the drive designated as an easement for ingress, and egress to and from the above-described lands, the location of said easement and drive being more fully shown upon the above referenced plat of survey. Further, the property herein conveyed is subject to that perpetual, non-exclusive easements over and across that area of the drive designated as an easement for ingress and egress to and from the adjacent property, specifically, Lot 4, as shown upon the above reference plat of survey. The property herein conveyed abuts Bridge Creek Road, a public road. Property known as: 237 Bridge Creek Rd, Tiger, GA 30576. The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney's fees, (notice having been given as provided by law). The property will be sold as the property of The Aforesaid Grantors subject to the following: (1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above. Pursuant to O.C.G.A. Section 44-14-162.2 the name of the person or entity who has the full authority to negotiate, amend, or modify the terms of the aforementioned indebtedness is: Bank of America, N.A. Attn: Loss Mitigation, P. O. Box 5170, MS SV314B, Simi Valley, CA 93065,PHONE: 800-669-6650. Nothing contained in this Notice of Sale shall obligate Lender to negotiate, amend or modify said indebtedness. To the best of the undersigned's knowledge and belief, the party in possession is Richard P. Sanczel and Beverly I. Sanczel. Bank of America, N.A., as successor by merger to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP, as Attorney-in-fact for Richard P. Sanczel and Beverly I. Sanczel. This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose. Pendergast & Associates, P.C. South Terraces, Suite 1000, 115 Perimeter Center Place, Atlanta, GA 30346, Phone – (770) 392-0398, Toll Free – (866) 999-7088

www.penderlaw.com. Our File No. 12-02092.

3-8,15,22,29

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Michael A Vacha and Sheryl L Vacha to Mortgage Electronic Registration Systems, Inc. as nominee for Taylor, Bean & Whitaker Mortgage Corp., its successors and assigns dated February 20, 2009 in the amount of $83,500.00, and recorded in Deed Book R34, Page 525, Rabun County, Georgia Records; as last transferred to Cenlar FSB by assignment; the undersigned, Cenlar FSB pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in April, 2012 , during the legal hours of sale, at the Courthouse door in Rabun County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: Map Parcel No. MC04 058. All that tract or parcel of land lying and being in Land Lot 79 of the Second Land District of Rabun County, Georgia, and being 0.41 acre as shown on plat of survey dated Aug. 20, 1997, prepared by T. Lamar Edwards, GRLS #1837, said plat being recorded in Plat Book 38, Page 195, in the Clerks Office, Rabun County Superior Court, said plat and record of the same being incorporated herein by reference, which has the property address of 416 Electric Avenue, Mountain City, Georgia, together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Michael A Vacha and Sheryl L Vacha and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. Cenlar FSB Attorney in Fact for Michael A Vacha and Sheryl L Vacha McCurdy & Candler, L.L.C., (404) 373-1612, www.mccurdycandler.com. File No. 11-14928 /FHLMC/sstojanovic. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

3-8,15,22,29

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE OF SALE UNDER POWER

IN DEED TO SECURE DEBT

Under and by virtue of the power of sale contained in that certain Deed to Secure Debt from Arlene P Orr to Mortgage Electronic Registration Systems, Inc. in the original principal amount of $350,000.00 dated 12/18/2008, and recorded in Deed Book M34, page 56, Rabun County records, said Security Deed being last transferred and assigned to CitiMortgage, Inc., the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of April, 2012 by CitiMortgage, Inc., as Attorney-in-Fact for Arlene P Orr the following described property: All of the leasehold interest in and to all that tract or parcel of land lying and being in Land Lot 105, 5th District, Rabun County, Georgia being designated as Georgia Power Company lease Lot 1448, Area 9, Lake Burton Recreational Development. Property known as: 4288 Highway 197, Clayton, GA 30525. The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney's fees, (notice having been given as provided by law). The property will be sold as the property of The Aforesaid Grantors subject to the following: (1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above. Pursuant to O.C.G.A. Section 44-14-162.2 the name of the person or entity who has the full authority to negotiate, amend, or modify the terms of the aforementioned indebtedness is CitiMortgage, Inc., 1000 Technology Drive O'Fallon, MO 63368, PHONE: 866-272-4749. Nothing contained in this Notice of Sale shall obligate Lender to negotiate, amend or modify said indebtedness. To the best of the undersigned's knowledge and belief, the party in possession is Arlene P Orr., CitiMortgage, Inc., as Attorney-in-fact for Arlene P Orr. This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose. Pendergast & Associates, P.C.,South Terraces, Suite 1000, 115 Perimeter Center Place, Atlanta, GA 30346, Phone – (770) 392-0398, Toll Free – (866) 999-7088

www.penderlaw.com, Our File No. 12-00064.

3-8,15,22,29

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE OF SALE UNDER POWER

Under and by virtue of the power of sale contained in a Security Deed from STACEY K. WOODALL to UNITED COMMUNITY BANK, dated September 8, 2009, recorded September 11, 2009, in Deed Book K35, Page 108, Rabun County, Georgia records, said Security Deed being given to secure a Note from STACEY K. WOODALL of even date, with interest from date at a rate per cent per annum on the unpaid balance until paid; there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Rabun County, Georgia, within the legal hours of sale on the first Tuesday in April, 2012, the following described property: TRACT ONE: All that tract or parcel of land lying and being in Land Lot 36 of the Second Land District Rabun County, Georgia, and being designated as Lot 2, revised, of Apple Valley Subdivision, containing 0.90 acre as shown on that certain plat of survey prepared by T. Lamar Edwards, Georgia Registered Land Surveyor No. 1837, dated December 3, 2007, which is recorded in the office of the Clerk of Rabun Superior Court in Plat 59-118. Reference is had and made to said plat and record of the same for a full and complete description of the property herein described. Said property is subject to a non-exclusive easement to a road to be used common with other lots shown on said plat, known as Apple Valley drive, with an 80 foot right of way, which shall be maintained by the users and subject to city sewer line which crosses a portion of said lot. Also conveyed herewith is a non-exclusive, perpetual 40 foot wide easement for ingress and egress over Apple Valley Court and to and from said lot. Same to be likewise maintained by the users ratably. In order to maintain an orderly and neat neighborhood, the following protective restrictions of Lot #2 and the other lots shown on said plat, same to remain in force for 20 years from the date of this deed, to wit: 1. No lot owner shall keep or store any swine, chickens or junk cars on either of said lots. 2. No lot owner shall carry on any commercial venture on a lot except the nature of an inside office, not requiring excessive traffic. 3. No lot owner shall construct or maintain a dwelling with under 1,200 square feet of inside living area. 4. Said lots are restricted for residential usage. 5. There being a creek or stream adjoining the lots on the West side, no lot owner shall have the rights to restrict the natural flow of the water of said creek or stream, not to dam up the same nor to diminish the quantity or quality thereof, nor to remove the location of the same. 6. As a building is placed on each lot for use, from the commencement of construction, such lot owner shall pay to Roy Garland the sum ratable equal to the necessary expense of maintenance of said subdivision street on the first of each successive month from the commencement of such lot owner shall pay the sum of $15.00 per month as a road maintenance fee; however, the payment to Roy Garland shall cease at the time a property owners association is established by a majority of the subdivision lot owners and the amounts of road maintenance and times of payment shall be governed by the by-laws of such corporation, each lot owner being entitled to membership if they so desire. Roy Garland shall pay such road maintenance fees collected to him to road maintenance entity engaged by lot owner or owners and shall not have any further obligation regarding maintenance. This conveyance is made subject to those certain easements as described in that certain Warranty Deed from Woodall Properties & Development, LLC to Salvador Torres and Rosa Isela Torres dated April 3, 2008, which is recorded in the office of the Clerk of Rabun Superior Court in Deed Book M-33, pages 503-504. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney's fees (notice of intent to collect attorney's fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, easements, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. To the best knowledge and belief of the undersigned, the party in possession of the property is STACEY K. WOODALL or a tenant or tenants. UNITED COMMUNITY BANK, as attorney in Fact for STACEY K. WOODALL, L. Lou Allen, Stites & Harbison, PLLC, 11 Mountain Street, Suite 8, Blue Ridge, Georgia 30513, (706) 632-7923. File No. 7484A-02697.